Future Life Protection insurance (branch 21) is a life insurance policy from AG governed by Belgian law and offered by BNP Paribas Fortis. It guarantees a lump sum payment if the insured person passes away during the chosen term. You decide the amount of the insured capital.
Flexible insurance tailored to your needs
Protect your relatives and business with tailored insurance that meets your unique needs.
Protect your family
The income you earn from your work determines your standard of living and that of your relatives. With this insurance, you protect them against the loss of this income in the event of your death.
Continuity of your business
Your death can have a significant impact on the sustainability of your company. Think of the costs of temporarily recruiting a consultant. This insurance gives your company the financial means to cope with this situation.
Repayment of loans
A personal loan to buy a property or a business loan to develop your business? After your death, such loans remain the responsibility of your relatives or your company. By designating them as beneficiaries, you limit this financial impact.
Shareholder protection
Are you running your business with a partner? If one of you dies, the future of your company and the surviving partner would become uncertain. Protect each other via two insurance contracts, by designating each other as policyholder and beneficiary. The surviving partner will be able to buy back the heirs' shares, without the capital being subject to inheritance tax.
Tax advantage
Depending on the need to be covered, the insurance premiums can be tax deductible, thanks to the tax regime of the Business Owner’s Insurance (ADE) or that of the EIP Company Pension Plan (EIP).
Premium paid by your company
Your company can take out insurance under the EIP tax regime by designating your relatives as beneficiaries of the capital. Your company will then pay the premium to protect the standard of living of your relatives in the event of your death.
Payment of a fixed lump sum of capital to the designated beneficiary if the insured dies before the end of the policy
Death of the insured person resulting from an intentional act or caused by the policy holder (if different from the insured) or one of the beneficiaries.
Death of the insured person by suicide if it occurs within one year of taking out the insurance.
Death of the insured person resulting from acts that have been judicially condemned, or where the death is a direct consequence of a deliberate crime or offence committed by the insured, where the insured could reasonably have foreseen the consequences.
Please ensure you read the policy terms and conditions and information sheets before making a decision regarding the Future Life Protection life insurance policy :
If you have a complaint, you can address it to BNP Paribas Fortis SA/NV, JQABD Complaints Management Service, Montagne du Parc/Warandeberg 3, 1000 Brussels, Tel: + 32 2 228 72 18, Email: complaints.management@bnpparibasfortis.com or by using the online form at www.bnpparibasfortis.be> Suggestions or complaints > online declaration form.
Alternatively, complaints may also be submitted to the Insurance Ombudsman at Square de Meeûs/De Meeûsplein 35, B-1000 Brussels: 884.072.054, Tel: 02 547 58 71, Email: info@ombudsman-insurance.be
www.ombudsman-insurance.be.
An insurance-based EIP company pension plan or an incapacity-to-work cover provide optimal coverage tailored to the life of an entrepreneur.
As a self-employed person with a company, supplement your Free Supplementary Pension for Self-employed Persons (PLCI) with an EIP. Your company pays the premiums for you.
Protect yourself and your family from the financial consequences of being unable to work due to illness or accident.
As a private individual, would you like to protect your relatives? Discover the advantages of Future Life Protection.
AG Insurance (abbreviated AG) SA - Bd E. Jacqmain 53, B-1000 Brussels - Belgium www.aginsurance.be - info@aginsurance.be - Brussels Register of Companies - VAT BE 0404.494.849 - Insurance company approved under code no. 0079, supervised by the National Bank of Belgium, Bd de Berlaimont 14, 1000 Brussels.
Intermediary: BNP Paribas Fortis SA/NV– insurance intermediary, Montagne du Parc/Warandeberg 3, 1000 Brussels – Brussels Register of Companies – VAT BE 0403.199.702, is registered under this number with the FSMA, rue du Congrès/Congresstraat 12-14, 1000 Brussels, and acts as an insurance tied agent, remunerated by commissions/fees, for AG Insurance SA/NV. BNP Paribas Fortis SA/NV has a holding of more than 10% in AG Insurance SA/NV.
